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The House has approved legislation to provide direct relief to Americans suffering physically, financially and emotionally from the coronavirus pandemic.Supervisor Nathan Fletcher talks about coronavirus and newly approved stimulus bill will impact San Diego County. 274

The number of people killed in wildfires burning in California has risen to 50 -- including 48 from northern California's Camp Fire, already the most destructive and deadly blaze in state history.As firefighters battle that fire Wednesday in Butte County north of Sacramento, authorities fear more human remains will be found as searchers comb through rubble and ashes in Paradise, the ravaged town of about 27,000 residents."I want to tell you, though, this is a very, very difficult process," Butte County Sheriff and Coroner Kory L. Honea told reporters. "There's certainly the unfortunate possibility that even after we search an area, once we get people back in there, it's possible that human remains can be found."PHOTOS: Wildfires devastationAuthorities have requested that 100 National Guard troops join cadaver dogs, mobile morgues and anthropology teams in the grim search and recovery of human remains.In Southern California, firefighters still are battling the Woolsey Fire, which so far has left two people dead in Malibu.They've also been fighting a new blaze, the Sierra Fire, in San Bernardino County. It started late Tuesday about 50 miles east of Los Angeles near Rialto and Fontana, and by Wednesday morning had burned 147 acres, though no evacuations have been ordered, the San Bernardino County Fire District said.Fire officials said the Sierra Fire was fanned by the Santa Ana winds -- strong, dry winds that high-pressure systems push from east to west, from the mountains and desert areas down into the Los Angeles area.Winds will be "particularly strong" Wednesday morning but are expected to weaken by evening, the National Weather Service said.Meanwhile in Northern California, forecasters have said the winds fueling the Camp Fire would slowly begin to decrease Wednesday and give firefighters a reprieve. 1842

The interest rate on the 30-year fixed-rate mortgage remained near record lows in June and is likely to stay there in July.The 30-year fixed averaged 3.33% APR in the first four weeks of June, a smidgen lower than the 3.37% average APR in May and 3.36% in April. June’s rate average was the lowest in the four-year history of NerdWallet’s daily rate survey.A mission to reduce ratesMortgage rates were remarkably anchored from April through June after the Federal Reserve intervened to stabilize rates and push them down.But the Fed’s intervention hasn’t been entirely successful: Although mortgage rates have been remarkably stable, they’re stuck at a higher-than-expected level. To put it more bluntly, rates should be lower.Since March, the central bank has bought billions of dollars’ worth of Treasurys and mortgage bonds “to sustain smooth market functioning, thereby fostering effective transmission of monetary policy to broader financial conditions,” as the Fed explained in a June 10 statement.Dissecting that short passage:The Fed is saying that its goal is to push interest rates, including mortgage rates, lower. That’s what “transmission of monetary policy to broader financial conditions” means.It’s trying to accomplish that goal by buying Treasurys and mortgage bonds to calm and stabilize those markets. Stabilizing markets is a method, not the goal.? MORE: How mortgage rates are determinedFed failed to make a bigger splashThe Fed has succeeded in calming the waters. That’s why there were ripples, not waves, in fixed mortgage rates from April through June. But it has only partially succeeded in its goal to push interest rates lower. For the Fed to declare victory in “fostering effective transmission of monetary policy to broader financial conditions,” mortgage rates would have to fall another half a percentage point or so.With its intervention, the Fed decreased Treasury yields and mortgage rates. But the results are unequal: Since January, the 10-year Treasury yield has fallen a little over one percentage point, while the 30-year mortgage has fallen about half a percentage point. Normally, the two would fall roughly the same amount.Rates slow to sync with TreasurysWhy haven’t mortgage rates fallen further? You might guess that lenders are keeping rates elevated to offset the risk of mortgages going into default during the COVID-19 recession. But mortgage rates tend to fall during recessions.? MORE: What COVID-19 means for mortgage ratesMaybe mortgage servicers, the companies that collect monthly payments and work with past-due borrowers, want to be paid for the increased risk they bear, and it’s translating to higher rates. Maybe an undetected economic force keeps a floor on mortgage rates, preventing the 30-year fixed from falling below 3% and lingering there.A more plausible theory is that mortgage rates will follow historical patterns and shamble lower until they’ve fallen roughly the same as Treasury yields. That’s the conclusion that Bill Emmons, economist for the Federal Reserve Bank of St. Louis, makes in a paper titled “Why Haven’t Mortgage Rates Fallen Further?”Using history as a guide, Emmons writes, “we would expect a further decline in mortgage rates of perhaps 0.5 percentage points.” If he’s right, mortgage rates might drop in July.Don’t count on it, though. Not after these two months of stability; rates might continue to tread water.More From NerdWalletCompare current mortgage ratesHow much home can I afford?Buying or selling a home during the pandemicHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 3623

The Navy has modified their SEAL ethos and creed to remove “man” and “brotherhood” to include gender-neutral language, according to military officials. In response, President Donald Trump tweeted he would “overturn” the changes."The previous versions of the SEAL Ethos and SWCC Creed were written prior to the law allowing women to serve as operators in Naval Special Warfare," Lt. Cmdr. Matthew Stroup, a spokesman for Naval Special Warfare Command, told Military.com.The changes were first reported by the American Military News on Monday. Thursday afternoon, President Trump responded on Twitter to a Conservative outlet who had tweeted a link to the story saying “I will be overturning this ridiculous order immediately!” 733

The man suspected in the shooting death of a Hopkinsville police officer has been shot and killed by police.The Montgomery County Sheriff's Office says they were involved in the shooting of James Decoursey near the Cracker Barrel in Clarksville.Shortly after Decoursey initiated the fake traffic stop, he allegedly shot and killed the officer.No other sheriff's deputies were hurt 398